Interest Rate

Effective from Jestha, 2079

Saving Deposit	Interest Rate (% p.a)	Min. Balance		Interest Payment
Sanima Super Savings Khata	8.03%	100,000/-		Quarterly
Sanima Dirghayu Bachat Khata	6.50%	10,000/-		Quarterly
Sanima Dirghayu Talab Khata	6.50%	0		Quarterly
Sanima Mero Bachat Khata	6.50%	0		Quarterly
Special Salary Account	6.50%	0		Quarterly
Sanima Sampanna Bachat Khata	6.03%	0		Quarterly
Senior Citizen Home Banking	6.03%	0		Quarterly
Senior Citizen Saving Account	6.03%	0		Quarterly
Nari Bachat Khata	6.03%	0		Quarterly
NRN Saving Account	6.03%	0		Quarterly
Sanima Sahaj Bachat Khata	6.50%	5,000/-		Quarterly
Sulav Account	6.03%	0		Quarterly
Shareholders Saving Account	6.03%	0		Quarterly
Muna Bachat	6.03%	0		Quarterly
Remittance Account	6.03%	0		Quarterly
Sanima PF Saving Account	6.03%	0		Quarterly
Sanima Nagarik Bachat Khata	6.03%	0		Quarterly
Samajik Surakshya Bachat Khata	6.03%	0		Quarterly
Other Savings Account	6.03%	0		Quarterly
Sanima FCY Saving Accounts
USD Saving Account	4.00%	USD 10.00		Quarterly
GBP Saving Account	3.00%	GBP 5.00		Quarterly
EUR Saving Account	3.00%	EUR 5.00		Quarterly
AUD Saving Account	3.00%	AUD 5.00		Quarterly
Other FCY Saving Accounts	1-2%	FCY 10 of respective Currency		Quarterly
NRN FCY Saving
USD	6.00%	USD 1,000.00		Quarterly
GBP	5.00%	Equivalent to USD 1,000.00		Quarterly
EUR	5.00%	Equivalent to USD 1,000.00		Quarterly
AUD	5.00%	Equivalent to USD 1,000.00		Quarterly
Call Deposit	Upto fifty percent of the minimum savings deposit rate	-		Quarterly
Remarks: Interest rate in existing Call Accounts opened under specific contractual agreement shall continue till the contract period.

Fixed Deposit
Time Period	Interest Rate (% p.a)		Minimum Balance (NPR)	Interest Payment Frequency
For Individual
3 Months and Above	11.03%	For Rural Branches	10,000/-	Monthly
3 Months and Above	11.03%	For Outside Valley Branches	50,000/-	Monthly
3 Months and Above	11.03%	For Inside Valley Branches	100,000/-	Monthly
Interest rate for Fixed Deposit against Remittance - 1% on top of above rates
For Institution
3 Months and Above	10.03%			Monthly
Institutional Renewal
3 Months and Above	10.13%			Monthly
Sanima Double Dhamaka Fixed Deposit
76 months	Fixed deposit amount to be doubled		500,000/-
Sanima Corporate Double Dhamaka Fixed Deposit
83.23 months	Fixed deposit amount to be doubled		1,000,000/-
Sanima Recurring Deposit
1 Year to 5 Years	11.03%		10,000/-	Quarterly
FCY Fixed Deposit (For Individual) (For 3 Months and Above)
USD	6.00%		USD 1,000.00	Quarterly
GBP	5.00%		EUR 1,000.00	Quarterly
EUR	5.00%		GBP 1,000.00	Quarterly
AUD	5.00%		AUD 1,000.00	Quarterly
NRN Fixed Deposit (Tenure: Minimum One Year)
USD	7.00%		USD 1,000.00	Quarterly
GBP	6.00%		Equivalent to USD 1,000.00	Quarterly
EUR	6.00%		Equivalent to USD 1,000.00	Quarterly
AUD	6.00%		Equivalent to USD 1,000.00	Quarterly
Loans and Advances
Types of Loan
A. Corporate	Premium (% p.a. ) on Base Rate
Working Capital/Short Term Loan	up to 7.00
Import Loan/Trust Receipt Loan	up to 7.00
Overdraft	up to 7.00
Export Loan/Packaging Credit	up to 7.00
Term Loan/Bridge Gap Loan	up to 7.00
Term Loan-Hire Purchase	up to 7.00
B. Business Banking	Premium (% p.a.) on Base Rate
Overdraft/Working Capital/Short Term Loan	up to 7.00
Import Loan/Trust Receipt Loan	up to 7.00
Export Loan/Packaging Credit	up to 7.00
Term Loan	up to 7.00
C. Microfinance/ Deprived Sector	Premium (% p.a.) on Base Rate
Wholesale Loan/ Credit	up to 7.00
Other Retail Loan	up to 7.00
D. Retail/ Consumer Banking	Premium (% p.a.) on Base Rate
Home Loan	up to 7.00
Home Equity Loan	up to 7.00
Private vehicle/Auto Loan	up to 7.00
Commercial vehicle Loan-Others	up to 7.00
Commercial vehicle Loan-Taxi Financing	up to 7.00
Personal Overdraft/Personal Loan	up to 7.00
Education Loan	up to 7.00
Sanima Professional Loan	up to 7.00
Small Business Growth Loan (SBGL)	up to 7.00
SBGL-Auto Loan for Private Use	up to 7.00
Auto Loan-Subvention Scheme	As per Subvention Scheme Agreement
E. Project Financing	Premium (% p.a.) on Base Rate
Term Loan	up to 7.00
Working Capital Loan	up to 7.00
Bridge Gap Loan	up to 7.00
Trust Receipt Loan	up to 7.00
F. Other Lending	Premium (% p.a.) on Base Rate
Loan Against Shares	up to 7.00
Loan Against FDR	Coupon rate or base rate whichever is higher, plus upto 3% risk premium
Loan Against 1st class Bank Guarantee	up to 7.00
Loan Against Other Bank Guarantee	up to 7.00
Loan Against Government Securities	up to 7.00
Gold Loan	up to 7.00
Structured Loan	up to 7.00
G. Consortium Loan	As per Consortium agreement
H. Others Loan	up to 7.00
I. Loan Against Salary Account	up to 7.00
J. Loan Against Credit Card	2 % p.m. (24% p.a. Fixed rate)
K. FCY Loan	up to 7.00
L. Fixed Rate For all Term Loan (%P.A.)
up to 13 Months	13 Months to 24 Months	24 Months to 36 Months	Above 36 Months
up to 14%	up to 14.50%	up to 15.00%	up to 15.50%

year	month
Year	Month	Base Rates
2079	Baisakh	9.24%
2078	Chaitra	9.00%
2078	Falgun	8.75%
2078	Magh	8.30%
2078	Poush	8.08%
2078	Mangsir	8.01%
2078	Kartik	7.39%
2078	Ashoj	7.45%
2078	Bhadra	6.53%
2078	Shrawan	6.14%
2078	Ashar	6.34%
2078	Jestha	5.89%
2078	Baisakh	6.54%
2077	Chaitra	6.23%
2077	Falgun	6.25%
2077	Magh	6.48%
2077	Poush	6.83%
2077	Mangsir	6.90%
2077	Kartik	7.43 %
2077	Ashoj	7.73%
2077	Bhadra	7.87%
2077	Shrawan	8.07%
2077	Ashad	8.62%
2077	Jestha	8.52%
2077	Baisakh	8.58%
2076	Chaitra	9.25%
2076	Falgun	9.30%
2076	Magh	9.43%
2076	Poush	9.29%
2076	Mangsir	9.16%
2076	Kartik	9.22%
2076	Ashoj	9.21%
2076	Bhadra	9.21%
2076	Shrawan	9.34%
2076	Ashar	9.45%
2076	Jestha	9.29 %
2076	Baisakh	9.38 %
2075	Chaitra	9.31%
2075	Falgun	9.54 %
2075	Magh	10.43% (As per previous NRB calculation) 9.68% (As per new NRB Circular)
2075	Poush	10.50% (As per previous NRB Directives) 9.75% (As per new NRB Circular)
2075	Mangsir	10.51%
2075	Kartik	10.35%
2075	Ashoj	10.55%
2075	Bhadra	10.24%
2075	Shrawan	10.10%
2075	Ashar	10.66%
2075	Jestha	10.68%
2075	Baisakh	10.63%
2074	Chaitra	10.63%
2074	Falgun	10.34%
2074	Magh	10.16%
2074	Poush	9.71%
2074	Mangsir	9.53%
2074	Kartik	10.09%
2074	Ashoj	10.27%
2074	Bhadra	10.33%
2074	Shrawan	10.19%
2074	Ashar	10.20%
2074	Jestha	10.14%
2074	Baisakh	9.67%

year	month
Year	Month	Int. Spread (as per NRB Directive)
2079	Baisakh	3.45%
2078	Chaitra	3.20%
2078	Falgun	3.03%
2078	Magh	3.04%
2078	Poush	2.91%
2078	Mangsir	2.63%
2078	Kartik	2.93%
2078	Ashoj	2.69%
2078	Bhadra	3.49%
2078	Shrawan	3.63%
2078	Ashar	3.73%
2078	Jestha	3.82%
2078	Baisakh	3.42%
2077	Chaitra	4.07%
2077	Falgun	3.96%
2077	Magh	4.16%
2077	Poush	4.21%
2077	Mangsir	4.14%
2077	Kartik	3.83%
2077	Ashoj	3.61%
2077	Bhadra	4.39%
2077	Shrawan	4.39%
2077	Ashad	3.47%
2077	Jestha	3.87%
2077	Baisakh	3.73%
2076	Chaitra	5.08%
2076	Falgun	5.14%
2076	Magh	4.94%
2076	Poush	5.04%
2076	Mangsir	5.25%
2076	Kartik	5.23%
2076	Ashoj	5.39%
2076	Bhadra	5.30%
2076	Shrawan	4.18%
2076	Ashar	4.35%
2076	Jestha	4.56 %
2076	Baisakh	4.72 %